Healthcare and medical professionals face unique risks for many reasons including the limited mobility of some of their patients and the sensitive patient information they deal with every day. And that’s in addition to the other risks you face, like property damage to your medical business office or loss of business records and patient files.
Most medical or healthcare practices have a Business Owner’s Policy (BOP). Why? Because it helps protect your medical business or healthcare facility in much the same way a homeowner’s insurance policy helps protect your home and personal possessions.
By combining three basic insurance coverages that are important to almost all small businesses, including medical offices and healthcare practices, a Business Owner’s Policy (BOP) can help medical and healthcare professionals save money on insurance rates while protecting what they’ve worked so hard to build.
- Business Liability – helps protect your medical and healthcare business from certain lawsuits alleging injuries or property damage that occurred as the result of your business operations, like if a patient is injured at your healthcare facility or medical spa or an employee causes damage to a patient’s property. It even helps cover certain claims of slander and libel. Business Liability does not cover liabilities directly arising out of the professional medical and healthcare services you may provide.
- Business Property – helps protect the place where you do business and the tools you use to conduct your medical and healthcare practice, such as computers, therapy tools, and medical equipment.
- Business Income – helps cover the loss of income when you’re unable to treat your patients because of covered property damage.
To get Personal insurance cover that protects what’s important to you, call 022 487 9630
or submit your details to us and a RSAB consultant in Your area will call you back.
Car dealerships and garages
If you Business does repair/body work on vehicles that are not owned by the dealership, or you sell car that are not owned by you, then you'll need protection against damage to your customers vehicles.
Marine and Aviation enterprises
Our watercraft insurance offers extensive cover for all types of vessels. Whether you prefer the thrill of a jet ski, are more at home on your pleasure yacht for a Sunday afternoon cruise, or want to explore the azure waters of the Mediterranean, we can offer you the best cover for your water sport choice.
RSAB has gone the extra mile to make sure we've got a tailor-made business insurance product that will appeal to the very specific insurance needs of medical professionals (e.g. doctors, dentists, orthodontists, anaesthetists, psychiatrists, occupational therapists, etc).
Shops and Restaurants
Shops and restaurants can offer a quick, low-cost way for aspiring retailers to test their product on the public, but their transient nature can produce problems as well as opportunities.
Goods in transit insurance cover property against loss or damage while it is in transit from one place to another or being stored during a journey. Goods in Transit insurance also protects the Transport operator for his responsibility in the event of damaged or lost freight.
RSAM has agencies with several Insurers, which enables us to fully underwrite all your short term insurance requirements at highly competitive rates.”
“Your Peace of Mind, Our Passion!!